1103 Downing Dr, Lodi, CA 95242 Property Records

San Joaquin County property record for 1103 Downing Dr, Lodi, CA 95242

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,902 sqft · built 1974
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Nov 2020)
Tax Bill	$4,985 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`031-233-140-000`

Property Details

APN / Parcel Number

Primary APN	`031-233-140-000`
Alternative APN	`031-233-14`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,902 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	031-233-14
Street Address	1103 DOWNING DR
City	LODI
State	CA
Zip	95242-3820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 947 LOT 126
Legal Subdivision	ROYAL CREST 02
Legal Tract	947
Legal Block	2
Legal Lot Number	126
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	LODI
Census Block Group	2
Census Block	2009
Census Tract	4309

Owner

Source: San Joaquin County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1103 DOWNING DR, LODI, CA 95242-3820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 21, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 20, 2020	Grant Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Deed Document Number	2020161737
Prior Transfer Date	May 18, 2015
Prior Transfer Doc	0000059940
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1103 DOWNING DR, LODI, CA 95242-3820
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1103 DOWNING DR, LODI, CA 95242-3820

Mortgage

Document Number	0000052567
Date	Apr 25, 2022
Instrument	2022-052567

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1103 DOWNING DR, LODI, CA 95242-3820
Transaction Type	Mortgage
Record Updated	Nov 3, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000176891
Date	Oct 21, 2021
Instrument	2021-176891

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Nov 20, 2020
Property Address	1103 DOWNING DR, LODI, CA 95242-3820
Document Number	0000161737
Map Reference	VOL 19 PG 69
Instrument Date	Nov 16, 2020
Instrument	2020-161737
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1103 DOWNING DR, LODI, CA 95242-3820

Mortgage

Document Number	0000161738
Date	Nov 20, 2020
Instrument	2020-161738

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Municipality	Lodi City
Unified School District	Lodi Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,985.00 (+0.34%)
2025	$4,968.00 (+4.06%) Homeowner's exemption	$465,443 (+4.04%) Land $64,945 Building $400,498
2023	$4,774.00 (+2.31%) Homeowner's exemption	$447,372 Land $62,424 Building $384,948	$503,280
2022	$4,666.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LODI serves 67,093 people · EPA ID CA3910004
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 599 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Softcom Internet Communications Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
DigitalPath Fixed Wireless	200 / 20
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

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